ALNotSure
Supporter
- Oct 15, 2017
- 5,883
- 12,885
Pay an attorney with a background in it. It’s easy and you don’t want to play around with something this important.
NT: Official Personal Finances Thread
cs02132
Supporter
- Nov 1, 2007
- 13,234
- 13,569
After I think 4 or 5 years straight of saving a certain amount every month, no matter what, around New Years going into 2020 I decided to chill on it for a month or two. Well 2020 happened and here I am a year later and I barely saved a dollar
Gotta get back on it
Gotta get back on it
- Aug 22, 2012
- 8,821
- 7,622
Gross for me.
antidope
Supporter
- Jan 2, 2012
- 63,954
- 69,000
I'm doing net. I'm in the process of buying something right now, and trying to frame everything around keeping my monthly housing cost the same/slightly above what I am paying now for rent.
Also putting 10% down as opposed to 20% even though I have 20. The PMI cost just doesn't feel punitive and all my money is in the market so the tax penalty just makes it feel pointless to pull more money out for the down payment.
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antidope
Supporter
- Jan 2, 2012
- 63,954
- 69,000
As a band aid, you could place transfer on death instructions on your accounts until you get the trust/will/LLC/whatever established.
- May 2, 2012
- 37,127
- 14,107
TurboTax really is the 
just filed and it took about 45 minutes all-in.
just filed and it took about 45 minutes all-in.
- Jan 6, 2015
- 1,565
- 2,890
- Jul 1, 2012
- 2,439
- 6,160
did you pay for turbo tax?TurboTax really is the
i used turbo tax initially, then used FreeTaxUSA to compare and they both gave me the same amount but FreeTaxUSA is free free
- Jan 4, 2014
- 9,121
- 13,960
If your tax situation is simple then TurboTax is the way to go IMO, it is completely free. If you have other things going on outside of your regular 9-5 or self employed then I wouldn’t use any type of free software, this is when TurboTax becomes not free. I’ve used TurboTax to file for almost a decade but I’ve grown up and life is different now, TurboTax just doesn’t do it for my situation anymore.
- Mar 29, 2020
- 2,980
- 5,065
I haven't used TurboTax in years but that free jawn was never "free" all the years I did use it back in the day. 
- Jan 4, 2014
- 9,121
- 13,960
How was it not?I haven't used TurboTax in years but that free jawn was never "free" all the years I did use it back in the day.
- May 2, 2012
- 37,127
- 14,107
TurboxTax was free free, and has been for me except I think year 1 or 2 of using; had to pay $30 one time I remember for them to store my info.
Today I actually filed using the Live assistance option because it was free (and not $60) until March 28th I believe. You should all look into that if you were planning on using TT this year.
2021 I'll be getting married, and so I imagine going forward using TT may not be as straight forward, but we'll deal with that when we get there.
- Mar 29, 2020
- 2,980
- 5,065
I was always charged something like $60 at the end to e-file. Might have just been for state but still.
- Jan 4, 2004
- 2,413
- 3,500
Gimme the 70K cash anyday. You can always work to get your score up.
But with that 70k, throw into stocks and mutual funds, easily can get to 100K within a year with the right moves.
Here's a question, interested in hearing opinions.
So at what point do you guys "stop caring" about your credit score?
Say you have a house, cars are paid off, and no debt.
I've never cracked the 800 bar because I have a short credit history, but it doesn't really bother me.
mplsdunk
Supporter
- May 25, 2004
- 30,658
- 41,574
I can get any loan I want and my credit is low 700s. Idc, I just got another loan and it was half a percent higher because I had 717 instead of 720 for the best interest. It’s still only 3% so whatever.
I don’t care at this point. It was awful a few years ago.
I don’t care at this point. It was awful a few years ago.
antidope
Supporter
- Jan 2, 2012
- 63,954
- 69,000
Same. IDC at all now. Its was at 805 prior to my mortgage application which dropped it to 795. Nothing is gonna move it but age of avg credit. Nothing I can do about it and once I get this mortgage what will I really use it for besides refinancing said mortgage.
- Aug 9, 2014
- 12,932
- 28,212
That’s a good question, I don’t know the answer. Cuz if everything was paid off, that doesn’t mean I won’t want more mortgages. For investment purposes.
it’s not any struggle or inconvenience to maintain a high credit score so I don’t see any point where I’ll be like “F a credit score”.
- Jul 1, 2012
- 2,439
- 6,160
is a credit score of 790 compared to 800+ or perfect 850 gonna make much of a difference?
i had a pretty good mortgage rate with the former credit score
My friend had a 760 and his mortgage rate was nearly the same as mine
i had a pretty good mortgage rate with the former credit score
My friend had a 760 and his mortgage rate was nearly the same as mineno, when you're at that level it's all ego at that point.is a credit score of 790 compared to 800+ or perfect 850 gonna make much of a difference?
i had a pretty good mortgage rate with the former credit score
- Feb 5, 2011
- 4,294
- 1,194
Turbo tax is great when all u have is w2s. I believe if your itemizing deductions or capital gains/losses u gotta pay for a upgrade. I used freetaxusa they only charge 12 for filling state that’s it
mplsdunk
Supporter
- May 25, 2004
- 30,658
- 41,574
Mortgage below 3% and land loan at 3%
F IT credit is good enough, and yeah it’s not going up because only time will heal my checkered past.
F IT
credit is good enough, and yeah it’s not going up because only time will heal my checkered past.
sneakaprince
Supporter
- Apr 29, 2007
- 16,656
- 20,542
I'm above 750 that's really all I care about.
- Jan 4, 2004
- 2,413
- 3,500
I'm in the same boat, I've made my big purchases and don't really need it for now, but of course things can change.
sneakaprince
Supporter
- Apr 29, 2007
- 16,656
- 20,542
Mortgage below 3% and land loan at 3%
F IT
Fam how hard was it to get a land loan. I may wanna do this but I've always heard land has to be paid for in cash. I need like 3 acres at least.
